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Regular Contributor
Posts: 181
Registered: ‎08-09-2012
0

Re: Garden Club Meeting - January 2013

I have the itch pretty bad right now, but looking at how my current cards are growing with me helps a ton. I keep telling myself "Do not app. Do not app. Do not app."



What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
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Regular Contributor
Posts: 235
Registered: ‎02-24-2011
0

Re: Garden Club Meeting - January 2013

Still gardening. Just graduated to bronze  this month. And up a few points according to Wal-Mart's score.


Starting Scores: 10/9/10 EQ 632
Current Scores: (9/5/12) EX 761 EQ 657 TU 780
Derogs Removed: LVNV, Union Bank, EOS-CCA, Zenith Acquisitions, Marigold Financial, Credit Collection Services, California Business Bureau
Working On: Portfolio Recovery Associates, Midland Credit Management, Credit One
Regular Contributor
Posts: 203
Registered: ‎07-27-2012
0

Re: Garden Club Meeting - January 2013

Still gardening. But I got my amex backdated to 2008. I didn't even have an amex until 2011 (as an authorized user).
Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Valued Contributor
Posts: 2,691
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - January 2013

Uh oh.  My credit union is sending me interesting advertising again...

 

8.9% on a signature loan...

 

Must not app, must not app, must not app...

Current Scores: EX: 615, TU08: 639, EQ: 607. 04/01/2015.

Zero percent financing is where the devil lives...
Established Member
Posts: 55
Registered: ‎01-07-2013
0

Re: Garden Club Meeting - January 2013

Don't do it unless you actually need it.  It's not worth the HP.  Smiley Happy

Frequent Contributor
Posts: 346
Registered: ‎02-01-2012
0

Re: Garden Club Meeting - January 2013

Well, my one year annivesary since getting my first credit card is officially next week. I recieved increases(after request) on my 3 original cards: Discover More, Capital One Journey, and Citi Forward in November but the $1,000 limits are still small and would like them to grow a bit more this year. My 2 newest cards I got in December : Chase Freedom($1,500) and Citi Dividend($2,500) will be getting high usage for the next few months as they are now my highest limits and hope they continue to grow (hopefully through auto-increases but I'm willing to take the hits near the summer) I have a question that I hope someone can answer Smiley Happy

 

1) What is the minimum timeframe between CLIs on Discover, Citi, and Capital One?

 

 

Valued Contributor
Posts: 1,914
Registered: ‎11-17-2012
0

Re: Garden Club Meeting - January 2013

[ Edited ]

CC365 wrote:

Well, my one year annivesary since getting my first credit card is officially next week. I recieved increases(after request) on my 3 original cards: Discover More, Capital One Journey, and Citi Forward in November but the $1,000 limits are still small and would like them to grow a bit more this year. My 2 newest cards I got in December : Chase Freedom($1,500) and Citi Dividend($2,500) will be getting high usage for the next few months as they are now my highest limits and hope they continue to grow (hopefully through auto-increases but I'm willing to take the hits near the summer) I have a question that I hope someone can answer Smiley Happy

 

1) What is the minimum timeframe between CLIs on Discover, Citi, and Capital One?

 

 


Typically a recommended mimimum of 6 months for both Discover and Citi. Not so sure on Capital One, considering they don't give out CLI easily XD

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 752 VantageScore 3.0: EX 741 EQ 744 TU 745 Credit Sesame (EX) 748 Credit.com (EX) 792 CapOne (TU) 787 Quizzle (EQ) 749
Frequent Contributor
Posts: 346
Registered: ‎02-01-2012
0

Re: Garden Club Meeting - January 2013

[ Edited ]

daybreakgonesXe wrote:
Typically an recommended mimimum of 6 months for both Discover and Citi. Not so sure on Capital One, considering they don't give out CLI easily XD

I hear you on Capital One. On another note, I wish Citi and Discover would show some auto-increases to me. I ran close to $5,000 through each before I got the $500 increases that also ended up being 1 hard pull from both Citi and Discover. I requested an APR reduction this month from Discover since it will be a year and hope they lower my APR (I never carry a balance unless it goes for utilization of 1-9%) but would like to have it lower just in case. I also wish they would give me some auto increase as well on my next statement but I'm giving up hope on any auto-increases from them. 

Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: Garden Club Meeting - January 2013

Day 8 in the garden!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Contributor
Posts: 91
Registered: ‎12-09-2012
0

Re: Garden Club Meeting - January 2013

Well, I stepped out of the garden for a moment.  It was a successful departure and will serve a purpose.  Would have earned a silver spade Jan 28.  Oh well, I still haven't figured out how to get the graphic in my sig. None the less, back to cultivation. Hopefully my stay will be long and fruitful.  Seedling reporting for duty.

800+ Fico score achieved in 2015---awesome
6 cards $118,600 credit line
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